Property Type: Condo / ApartmentOwnership: Strata

1125 Bernard Avenue Unit# 204

Kelowna, BC V1Y6R3

$412,000

2 bed2 bath1 parking1,073 sqftBuilt 2004
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Property Details

Property & Lot

Sub-type
Apartment
Stories
1

Ownership & Fees

Property type
Condo / Apartment
Ownership
Strata
Strata / maintenance fee
$660/mo
Annual property tax
$2,026.69

Maintenance Fee Includes

WaterGarbageManagementHeat

Also included: Ground Maintenance, Sewer

Interior

Heating
Baseboard heaters, Electric
Cooling / A/C
Window air conditioner
Fireplace
Yes (1)
Fireplace type
Gas, Unknown
Flooring
Other, Vinyl

Exterior & Lot

Exterior features
Stucco
View
City view, Mountain view

Parking

Total spaces
1 — uncovered indicated
Features
Parkade

Room Dimensions

RoomLevelDimensions
3pc BathroomMain level5'6'' x 7'10''
Primary BedroomMain level16'5'' x 12'2''
Living roomMain level16'6'' x 19'11''
Laundry roomMain level5'6'' x 7'7''
KitchenMain level8' x 13'5''
BedroomMain level10'1'' x 13'2''
4pc Ensuite bathMain level8' x 4'10''

Listing Information

MLS®
10377341
Listed
February 27, 2026
Time on market
On the market for 185 days
Data last synced
August 28, 2026

Listing provided by: Stilhavn Real Estate Services · Data source: CREA DDF.

Description

Welcome to The Bernard! This bright and well-maintained 2 bed, 2 bath corner unit condo offers nearly 1,100 sq. ft. of smart, functional living in an unbeatable downtown Kelowna location. Just steps from the rail trail, parks, restaurants, shops, schools, and transit, this property offers excellent walkability and lifestyle convenience. Ideal for first-time buyers or investors, the unit features 9' ceilings, updated vinyl flooring throughout, and a split-bedroom layout for added privacy. The kitchen includes an eat up breakfast bar and plenty of storage, while the open-plan living and dining areas lead to a spacious 16x8 covered deck—great for relaxing or entertaining. The primary bedroom includes a 4-piece ensuite, and the oversized foyer provides practical storage with a large closet. Additional features: updated river rock bathroom flooring, in-suite laundry with sink, wall A/C, secure underground parking, and a storage locker. Rentals and pets allowed (with restrictions). Strata fees include gas and hot water. With a Walk Score of 86, this is an outstanding opportunity to own in one of Kelowna’s most desirable areas! (id:63159)

Values & Trends

This listing

$384/sqft

Building average

No other active listings in this building

Kelowna North average

$700/sqft

157 active listing(s)

Parking: 1 stall(s) includedStorage locker: Not indicated

Per-stall/locker dollar values aren't itemized in our data source — shown as included/not indicated only, not a fabricated estimate. $/sqft averages are computed live from other active listings, not a third-party model.

Location Insights

Weather

Clear

15°C

Clear

Humidity 76%

Wind NNW 4 km/h

Tonight

11°

Tuesday

27°

Tuesday night

14°

Wednesday

24°

Wednesday night

13°

Thursday

19°

Source: Environment and Climate Change Canada.

Population

144,576

(2021 Census)

+13.5% since 2016

Density: 682.4/km²

Dwellings: 67,115

Median household income: $82,000

After-tax: $73,500

Immigrant population: 15.3%

Top countries of origin (% of total population)

  • United Kingdom2.1% · 3,055
  • India1.6% · 2,335
  • Philippines1.1% · 1,620
  • Germany1.1% · 1,540
  • United States of America1% · 1,375
  • China0.7% · 960
  • Poland0.4% · 585
  • South Africa, Republic of0.4% · 525

Source: Statistics Canada, 2021 Census of Population.

Location Accessibility

Our own metric — not an official Walk Score®.

Amenities

56

7/9 categories nearby

Transit

Not enough data yet

How this is calculated

Amenities: points awarded per category (restaurants, cafes, grocery, parks, shopping, gyms, pharmacies, banks/ATMs, healthcare) based on distance to the nearest one — 3 points under 200m, 2 points under 500m, 1 point under 800m — summed across all 9 categories and scaled to 0–100.

Transit: based on the number of transit stops within 800m and their mode (SkyTrain weighted highest, then streetcar/ferry, then bus). This reflects stop type and count only — our data doesn't include how often a route actually runs, so frequency is never factored in.

Both scores depend on how much of the surrounding area has been synced from OpenStreetMap and TransLink's GTFS feed. A lower score can mean fewer amenities nearby, or simply that this area hasn't been fully synced yet — not a confident measurement of the location itself.

Nearby Schools

SchoolTypeDistance
Bankhead ElementaryElementary714 m
Central SecondarySecondary917 m
Central School ProgramsK-12917 m
St Joseph Elementary School(Independent)Elementary944 m
A S Matheson ElementaryElementary1.1 km
The Balsam School(Independent)Elementary1.3 km
Glenmore ElementaryElementary2.0 km
Kelowna SecondarySecondary2.4 km

Schools shown by distance from this property. This does not indicate school catchment or enrollment eligibility — contact the school district to confirm catchment boundaries.

Nearby Transit

No TransLink stops within an ~10-minute walk.

Nearby Places

Restaurants (5+)

  • Ricky's229 m
  • Swan Pizza238 m
  • Mekong Fresh Asian Cuisine · 1030 Harvey Avenue289 m
  • De Dutch332 m
  • Vintner's Grill387 m

Cafes (4)

  • Continental Breakfast209 m
  • Starbucks237 m
  • Gong Cha304 m
  • Craft 42 Roasters · 1178 High Road791 m

Grocery (2)

  • Nester's Market · 1111 Lawson Avenue120 m
  • Peter's Your Independent Grocer · 1835 Gordon Drive584 m

Parks (5+)

  • Martin Park429 m
  • Richmond Park498 m
  • Knowles Heritage Park515 m
  • Bankhead Park559 m
  • Mary Ann Collinson Memorial Park581 m

Gyms (2)

  • GoodLife Fitness577 m
  • Invati Yoga+Wellness728 m

Pharmacies (1)

  • Paragon Pharmacy65 m

Banks & ATMs (1)

  • BMO324 m

Nearby places data: © OpenStreetMap contributors.

School district: Central Okanagan (SD23)

Mortgage & Ownership Cost Calculator

Minimum required: 5.0% ($20,600) — 5% under $500K, 10% up to $1.5M, 20% at/above $1.5M.

Financial Ledger

Net mortgage (loan + CMHC insurance)$329,600.00
Periodic payment — Principal & Interest (monthly)$2,126.47
Additional monthly expenses (strata, tax, utilities, etc.)$883.37
Total monthly cost$3,009.84
Interest paid over 5-yr term$94,464.31
Balance at end of term$296,476.27

Rates based on Bank of Canada benchmark data.

Financial Summary

Minimum down payment$20,600
Stress test qualifying rate8.09%
Payment you must qualify for$3,009.73

Cash Needed at Closing

Minimum down payment$20,600
Estimated BC PTT$6,240
Legal / closing costs (typical estimate)$1,500
Total cash needed$28,340

Minimum down payment: 5% on the first $500,000, 10% on the portion up to $1.5M, 20% at/above $1.5M. Stress test: OSFI's minimum qualifying rate, the greater of contract rate + 2% or 5.25% — this is what lenders require you to qualify at, not what you'll actually pay. Closing costs are a typical-range estimate, not a quote — actual legal fees vary. Verify all figures with a mortgage broker and lawyer before relying on them.

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